As far as I can see the Bread website states that you can load your card either at a Paypoint (fee 3% of total loaded) or by standing order (fee 25p).
I was plannning to load mine by standing order, but due to Christmas I went to the Post Office (not realising it wasn't a Paypoint) and asked if I could load it there. The clerk swiped the card and confirmed that I could and when I checked my Bread account this morning the money was showing (I loaded it on Saturday) and the fee was only 75p!
As it only costs 75p and I know the money is there within 48 hours (I presume it's 24 hours if you don't load it at the weekend) I'll do it that way from now on.
Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.
View my blog at
http://skippy13.blogs.iva.co.uk/